The Security State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Security State Bank of McRae-Helena, GA against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.86% | 0.85% | +1.01% | 80th top |
| ROAE | 14.46% | 5.23% | +9.23% | 79th top |
| Net Interest Margin | 5.30% | 3.94% | +1.36% | 92nd top |
| Efficiency Ratio | 62.00% | 74.96% | -12.96% | 67th above |
| PPNR / Avg Assets | 2.03% | — | — | 80th top |
| Yield on Earning Assets | 6.28% | 5.42% | +0.86% | 83rd top |
| Cost of Funds | 1.08% | 1.69% | -0.61% | 75th top |
| Net Interest Spread | 4.42% | — | — | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.59% | 1.34% | -0.75% | 40th below |
| NPA / Total Assets | 0.28% | — | — | 42nd below |
| NCO / Avg Loans | 0.23% | 0.11% | +0.12% | 9th bottom |
| ACL / Total Loans | 2.52% | — | — | 89th top |
| ACL / NPLs (Coverage) | 426.02% | — | — | 76th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 1.96% | 7.23% | -5.27% | 46th below |
| Provision / NCO | 315.79% | — | — | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.53% | 25.12% | +0.41% | 58th above |
| Tier 1 Ratio | 25.53% | 25.12% | +0.41% | 58th above |
| Total Capital Ratio | 26.79% | — | — | 58th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.11% | 14.13% | -0.02% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.03% | 13.07% | -0.04% | 55th above |
| TCE / Tangible Assets | 13.03% | — | — | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.26% | 68.58% | -14.32% | 66th above |
| Core Deposit Ratio | 93.41% | 88.79% | +4.62% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.81% | — | — | 86th top |
| Loan Growth (Y/Y) | -9.42% | — | — | 9th bottom |
| Deposit Growth (Y/Y) | 11.24% | — | — | 87th top |
See The Security State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Security State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Security State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the The Security State Bank peer analysis.